feat(pay): enable points card-pass redeem in user center

Wire zibll-style points_pass_exchange settings, open credits redeem options, and add 卡密兑换积分 UI on the credits panel.

assets/admin/src/schema/sections/users/credits.js

@@ -24,6 +24,9 @@ export const creditsSchema = {
     points_deduction_s: false,
     points_deduction_rate: 100,
     points_deduction_max: 50,
+    points_pass_exchange_s: false,
+    points_pass_exchange_desc: '',
+    points_pass_exchange_only_password: true,
     points_show_balance: true,
     points_show_log: true,
     points_expire_days: 0,
@@ -84,6 +87,16 @@ export const creditsSchema = {
         { key: 'points_deduction_max', label: '最大抵扣比例(%)', type: 'number', default: 50, min: 1, max: 100, dependsOn: { key: 'points_deduction_s', value: true } },
       ],
     },
+    {
+      key: 'card_pass',
+      title: '积分卡密兑换',
+      icon: 'fas fa-ticket-alt',
+      fields: [
+        { key: 'points_pass_exchange_s', label: '启用积分卡密兑换', type: 'switch', default: false, help: '对齐 zibll points_pass_exchange_s。后台充值卡可生成积分卡，用户中心兑换入账。' },
+        { key: 'points_pass_exchange_desc', label: '兑换说明', type: 'textarea', default: '', dependsOn: { key: 'points_pass_exchange_s', value: true } },
+        { key: 'points_pass_exchange_only_password', label: '仅密码兑换', type: 'switch', default: true, dependsOn: { key: 'points_pass_exchange_s', value: true }, help: '开启后只需输入卡密；关闭则需卡号+卡密。' },
+      ],
+    },
     {
       key: 'display',
       title: '展示设置',